Globelink International Travel Insurance Consultants Limited
Globelink
Globelink is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
The 24-hour Assistance Service must be contacted as soon as reasonably possible so it can take over management of medical costs and provide guarantees of payment and other necessary assistance such as repatriation; costs beyond unavoidable emergency expenses must be pre-authorised by the Assistance Service.
Geographic scope
Worldwide or Europe only, selectable at purchase
Policies are designed for people living in Italy travelling from and back to their EU country of residence; a choice of Worldwide or Europe-only cover is available, with some Worldwide options excluding destinations such as the USA, Canada and Australia unless the extended Worldwide option is chosen.
Starting price
€99
Indicative — pricing assumptions not stated
Unique selling points
- Cruise cover is included as standard on every Annual Multi-Trip policy at no extra cost, unlike many competitors.
- Over 50 pre-existing medical conditions, including diabetes and high blood pressure, are covered as standard without an additional premium.
- More than 100 adventure sports and activities are covered as standard on all Annual Multi-Trip policies.
- 17 days of winter sports cover are included free of charge on Annual Multi-Trip policies with an individual trip duration of 45 days or more.
- Emergency Medical Expenses cover is set at €10,000,000 in total, well above typical market minimums.
Coverage limits
Emergency Medical Expenses
€10,000,000
Emergency Medical Expenses are covered up to €10,000,000 in total per insured person across all Annual Multi-Trip trip-duration options (17/31/45/60/90/120 days) and age bands; only the excess (€75-€250) varies by option.
Emergency Medical Treatment
€10,000,000
Emergency medical treatment abroad is covered under the same €10,000,000 Section B aggregate limit as Emergency Medical Expenses.
Hospitalization
€10,000,000
Hospitalisation costs are not itemised separately by Globelink; they are covered as part of the single 'Emergency Medical Expenses' benefit, which for the Comprehensive policy (the main worldwide/EU product) is covered up to €10,000,000 in total, subject to policy excess.
Outpatient Treatment
Covered
Outpatient treatment is not given its own sub-limit in Globelink's published materials; it is included within the overall Emergency Medical Expenses benefit (up to €10,000,000 in total for the Comprehensive policy, €5,000,000 for Economy/Regular Stay), with no separately stated outpatient cap.
Emergency dental
Covered
Globelink Single Trip (and by extension Comprehensive) policies include emergency dental treatment for the relief of pain as standard; no separate monetary sub-limit for dental treatment is published, as it falls under the overall Emergency Medical Expenses benefit.
Medical Transport
€10,000,000
Emergency medical transport is covered as part of the Section B 'Medical, repatriation and other expenses' aggregate limit of €10,000,000.
Medical Evacuation
€10,000,000
Emergency medical evacuation is covered as part of the same €10,000,000 Section B aggregate limit.
Repatriation of Remains
€10,000,000
Repatriation, including in the event of death, is arranged by the 24-hour Assistance Service and covered within the €10,000,000 Section B aggregate limit.
Search and Rescue
€10,000,000
Mountain/piste rescue costs are covered on the basis of medical necessity (e.g. injury or illness), within the €10,000,000 Section B aggregate; there is no cover for rescue costs unrelated to a covered illness or injury.
COVID-19 Treatment
€10,000,000
Emergency Medical Expenses, Repatriation, and Cancellation & Curtailment cover for coronavirus is included within 14 days of travel or while travelling, subject to certified test results from an independent authority.
Pre-Existing Medical Conditions
Conditional
Over 50 pre-existing medical conditions, such as diabetes and high blood pressure, are covered as standard without additional premium; certain specific conditions require declaration and may require medical screening.
Winter Sports Cover
Conditional
Only in 45 days, 60 days, 90 days, 120 days
17 days of winter sports cover (loss/theft/damage to ski equipment, resort closure, emergency medical expenses, repatriation and piste rescue) is included free of charge for insured persons under 70 on Annual Multi-Trip options with an individual trip duration of 45 days or more; this excludes Winter Sports in the USA.
Adventure Sports Cover
Covered
Over 100 adventure pursuits and activities are covered as standard on all Annual Multi-Trip policies; higher-risk Category 3 activities can be added for an additional premium.
Pregnancy Complications
Conditional
Normal pregnancy or childbirth without complications is not covered; however, the policy is designed to cover unforeseen bodily injury, illness, disease or complication, meaning genuine pregnancy complications that arise unexpectedly would be assessed under the general Emergency Medical Expenses/Cancellation sections, while routine pregnancy and normal childbirth are explicitly excluded.
Personal liability
€2,000,000
Personal Liability cover is included as standard on Globelink travel insurance policies for EU residents, up to €2,000,000 per insured person, covering legal liability to pay compensation for causing bodily injury or damage to rented accommodation (subject to exclusions e.g. motorised vehicles, work/business activities, and certain adventure activities).
Legal assistance
Conditional
Legal Expenses cover is not confirmed as a standard inclusion on the core Comprehensive/Regular Stay policies; Globelink markets Legal Expenses cover as a standard feature only on certain product lines (e.g. Globetrekkers Standard Plus and J1 Regular policies), where it is bundled together with Personal Accident cover, with no separate monetary limit published for the general EU Comprehensive product.
24/7 Emergency Assistance
Covered
A 24-hour multilingual Emergency Assistance Service, available 365 days a year, arranges and authorises repatriation, hospital guarantees of payment and other emergency assistance.
Key conditions
Assistance call deadline
The 24-hour Assistance Service must be contacted as soon as reasonably possible so it can take over management of costs and provide guarantees of payment and other necessary assistance such as repatriation; anything other than unavoidable emergency costs must be pre-authorised by the Assistance Service.
Unauthorized treatment
Costs other than unavoidable emergency expenses that are not pre-authorised by the 24-hour Assistance Service may not be covered; the Assistance Service must take over management of the claim as soon as reasonably possible.
Purchase while abroad
If the trip has already started, the customer must select the 'Already Travelling' policy option to be covered; standard Annual Multi-Trip policies purchased in advance do not cover cancellation costs before the selected policy start date.
Chronic conditions
Chronic conditions such as diabetes and high blood pressure are among the over 50 pre-existing medical conditions covered as standard without an additional premium; other specific conditions require declaration and may require medical screening.
Pregnancy
Not specified in the available sources for this product.
Pre-existing condition exclusions
A wide range of over 50 pre-existing medical conditions are covered as standard without additional premium; some conditions require declaration on the Validation Certificate and may require medical screening before cover is confirmed.
Coverage duration limit
Individual trip duration options are 17, 31, 45, 60, 90 or 120 days, depending on age and destination; persons aged 66-70 are limited to a maximum of 60 days Worldwide (up to 90 days Europe only), aged 71-74 to 17-60 days, and aged 75-79 to 17-31 days Worldwide or 17-60 days Europe.
Where to buy
Policy specifics
Cruise Cover
All Globelink Annual Multi-Trip Travel Insurance products include cruise cover as standard at no additional cost
SourcePre-Existing Medical Conditions Cover
Wide range of over 50 pre-existing medical conditions are covered as standard without additional premium
SourceAdventure Activities Cover
Over 100 adventure pursuits and activities are covered as standard on all Annual Multi-Trip policies
SourceCOVID-19 Cover
Emergency Medical Expenses, Repatriation, and Cancellation & Curtailment cover for coronavirus within 14 days of travel or while travelling
SourceChildren Travel Free
Annual Multi-Trip Family policies include up to 5 children aged 2-17 and up to 3 infants under 2 at no additional cost when travelling with two insured adults
SourceIndividual Trip Duration Options
Annual Multi-Trip policies provide individual trip durations ranging from 17, 31, 45, 60, 90 or 120 days per trip (age and destination dependent)
SourceAdvance Purchase Window
Annual Multi-Trip policies can be purchased up to 3-4 months in advance with a start date selected up to 4 months ahead
SourceMedical Repatriation
Repatriation to home country is included as standard for medically necessary cases where the insured person can be moved safely
SourceTerrorist Attack Cover
Emergency Medical Expenses and Repatriation are covered if the insured person is injured as a result of a terrorist attack
SourceSources
- https://www.globelink.co.uk/policy-options/italy-travel-insurance.html
- https://www.globelink.eu/annual-travel-insurance.html
- https://www.globelink.eu/comprehensive-travel-insurance.html
- https://www.globelink.eu/faq.html
- https://www.globelink.eu/globetrekkers-standard-plus-travel-insurance.html
- https://www.globelink.eu/j1-visa-travel-insurance.html
- https://www.globelink.eu/single-trip-travel-insurance.html